ECOMMERCE: Small Business Insurance

I have a “wicked smart” neighbor. He can re-wire a car radio. He can draw designs for a new shed, and build it too. He is great on the computer. He knows how to write “code” He can cut, crop, and paste with the best of them. He even builds websites at home in his free time. I’m envious because I am lacking in all of those areas.

What I do know is insurance! Massachusetts Ecommerce Business Insurance to be specific.
Are you working from home designing and building websites? Are the websites you’re creating designed to help increase sales or manage online sales for somebody else’s business? Maybe you are an “independent contractor” for someone else? Do you enter businesses or peoples’ homes to do repair work? What happens if you damage something someone gets hurt? What happens when what you’ve created crashes and this customer can no longer sell their product? The potential for big losses can be a problem, especially if you don’t protect yourself properly.

Advertising placement, graphic design, copyright and trademark design, photography, marketing, consulting, merchandising…There’s more, but you get the point. Many facets of Ecommerce work can leave you vulnerable to litigation. Most of these issues mentioned are all related to your professional opinion. When you “hang your shingle” out there as “webmaster” you are the expert. When your expertise leads to loss of business, whether intended or not, you could have a problem.

I recently heard of a case where a webmaster was hosting a customers’ website in house and it crashed. Sure it was backed up. The down time was costing this client $70,000 a day in revenue. It only took three days to get it up and functioning property. That’s right. Here comes a $210,000 law suit for ya!

We ask the right questions. We have several options. Maybe a simple “in home business” policy is the answer? Perhaps it’s more involved. www.jmdins.com We try harder. Please click or give us a call today.

For almost “40” years J.M. Doherty Insurance Agency Inc. “steering you in the right direction”.
Thank you!!
HD

Massachusetts: Small Business Insurance

Has your small business grown over the past 12-24 months? Are you working from an office in your home? Are you worried that if something were to happen, that you won’t be insured correctly? These are real concerns. As an independent insurance agent, we can help answer your questions and get you covered. You may need commercial general liability Insurance. You may need property Insurance. You may need workers compensation. You may need all three. We do it all here.

We get calls every week from local business people that are not happy with their current insurance program. Why do they call us again and again? We return our calls promptly. We take the time to answer your questions. We give you real practical advice. www.jmdins.com Perhaps, we can even save you money.

Are you a contractor who is looking to bid on local, state, or federal work? These entities ask for a lot of insurance. Maybe you aren’t sure where to begin? Call J.M. Doherty Insurance Agency, Inc. today.

The technology industry continues to blossom. I have seen a dozen or more local “web masters” take businesses to the next level in this economy. Our office works with the best carriers in the business for Massachusetts Technology Insurance. From hardware to software, installation to service, call us first. You will be pleasantly surprised when we ask you all the right questions.

Small business insurance doesn’t have to be a mystery for you to figure out. We will give you the answers to the riddles and then let you decide what’s important now. We take it one step at a time.

If you use us once, you will use us again and again.
For more than “37” years J.M. Doherty Insurance agency, Inc. “Steering you in the right direction”

Thank you!!
HD

Insurance for First Time Home Buyers

Home ownership, it’s the American Dream. For most people buying your first house is both exciting and daunting. There’s a mountain of forms to fill out, appraisals and inspections to be done. Now they’re telling you that you need to buy insurance too…This sounds like a bad dream, not the American dream.

The people you work with should be providing you guidance and advice so that you know what to expect next. They shouldn’t be pushy or rude. If they don’t understand that you have not done this before, then I would go elsewhere for services. You’re in control. It’s your money!
Professional Realtors like Steve Medeiros www.justleaveittosteve.com render much more than a guided house tour. You can tell a nice kitchen or bath when you see it. You don’t need a realtor to tell you that.

Steve will let you know what’s next in the process of home buying.
So your offer has been accepted, and the bank has approved your loan. “We will close on May 31st” the banker says. What exactly is a closing any way? The closing date is when the actual sale of the house is recorded at the registry of deeds. It’s officially yours (and the banks) on that day. The name(s) on the deed are recorded in book form. You own it!

You’re told by the lender that you will need to provide them with a “binder” effective the date of closing. A binder is a legal document that informs the lender who the insured is, which insurance company is insuring the house, and the coverage amounts. Many times a first time home buyer will be asked for a one year paid receipt be included with the binder. In that case, you will need to pay for one year worth of insurance up front. A lender will usually ask for this receipt because they plan to escrow your Massachusetts home owner insurance premium.
Each month you pay your mortgage the bank takes 1/12 of the annual insurance premium. They put that money into a separate ”escrow” account. At the end of the year there is enough money accumulated to pay the following annual bill from the insurance company. Nothing too complicated.

It’s my job as a local independent Insurance agent is to find you the right coverage at the right price. www.jmdins.com We take photos. We take measurements. We ask about the home AND about the customer. You’re making a big purchase. J.M. Doherty Insurance takes away the guess work. We are going to do it right. We do this every day!

The realtor, the bank, the lawyer are all looking to close the deal. No one gets paid until you close on the loan. That’s understood. You are in charge of the insurance buying process, here. There are certain things you need to be mindful of, coverage limits, deductibles (very important), liability limits.

For almost 40 years J.M. Doherty Insurance “steering you in the right direction”.
Thank you!!
Hans Doherty CIC, LUTCF

Massachusetts Business and ECommerce Insurance

Attention Web Masters: Does your business rely on the internet for revenue? Do you render computer services, remote, or on site? What about website design and implementation? Are you offering your opinion on what they should do with regards to Ecommerce? 

If you answered yes to any questions above J.M. Doherty Insurance can help cover that!  We offer one of the most comprehensive ECommerce programs in Massachusetts. 

Hardware, software, website design, so much more... www.jmdins.com   Making sure your coverage covers what you do,  is what we do.

The issue comes down to your "professional opinion". Any time you call your self or portray yourself as the "expert" you're the fall guy when it doesn't all work out according to plan. My business is on that line too.  All day long we render professional opinion. If I get it wrong...I'm required to protect myself.

Doherty's done this before. Our clients know the web, they work the web, they sell the web. Let us "get your back". In todays "not my fault" society everyone can be dragged in for ANY reason.

Call today, answer some detailed questions. Let's get it right!!  Right now!!!  Call or click today.

For almost "40"years J.M. Doherty Insurance has been "steering you in the right direction" 

Thank you!

Massachusetts Business Insurance and Internet Marketing

Have you had outstanding service somewhere and want to spread the word? Do you want to reward your local grocer, cabinet shop, accountant for doing a good job, treating you well or saving you money? What about the landscaper, chiropractor, or painter? You know the ones I’m referring to.

We all want to do business locally with people who are NICE! Is that so much to ask for!!
Here’s how you can help them get found. (unless you’re a hoarder of nice people)
Write a Google review!

It takes no time at all, 30 seconds to 5 minutes at most, and that’s getting detailed.
This kind of real world feedback is what people like to read. It’s no canned or scripted. It’s from the heart and that’s why it matters. Your opinion matters!

I guess it could go either way…if you mess up bad, someone could write a bad review too. But we are focusing the effort in a positive light.

I will take time to seek out my fiends businesses on Google and write a review for them. It’s amazing how a review can boost their search results. We help each other that way.

Help a local business!! Write a review today.

www.jmdins.com “Steering you in the right direction”

Thank you!!